Reality income exceeds its expense it can lend or it invests excess income. From other side, reality income of which than its expense can raise the capital by way to loan either to sell the claims of validity, decreasing its expenditures, or increasing its income. Creditor can find borrower, finansovy1 mediator, such as bank either note or fastening pokupky in rynoka of securities. Creditor obtains interest, borrower pays higher interest how creditor obtains, and pockets finansovy1 mediator difference. Specifically by an example of the corporate of finances will be the sale of stock company to the collective investors as the banks of the investments, which in turn generally sell it to the public. Stock gives whoever it has its possession to part in that company. If you buy one portion XYZ inc, and they have 100 sums of the rotating actions (they held depositors), then you 1/100 owners of that company. Of course, in return for stock, company obtains the available money, by which it uses to enlarge its matter in the caused process "financings by the release of new actions". Financings by the release of new actions mixed with the sale of fastenings (or any other financing of debts) it was caused strukturaa of capital of company. Finances are used by individuals (personal by finances), by governments (gosudarstvennya finances), by the matters (corporate by finances), also as the by wide selection of organizations including schools and profitless organizachii. On the whole, purpose of each of the works of dostigany through the benefit of sootvestvuyushchikh financial dochumentov pointed out above, with the examination to their institutional installation. Finances one of the most important aspects of management of business. Without the correct financial planning new enterprise is highly improbable in order to be successfully. Governing den'g (likvidnya active memberships) it is necessary in order to ensure the secure future both for the individual and for the organization. Managerial or corporate finances they will task ensure funds for the activities with the corporation. For the small enterprise, this is named finances sme. It generally includes to balance risk and profitableness, thus far pytayushch in order to increase wealth and value of the reality of its stock. It will at present draw near to converge and to consolidate the guarantees of finances in, it is which they divide maintenance in the limits of organization. Rather than organization having somewhat separately financial divisions to accomplish the same tasks from differently the positions more centralizing version it is possible to be created. Financial-economic economics will be the branch of economics studying the interrelation of financial-economic peremeyuyuykh, such as of price, the interest rates and portion, in contrast to those relative to real savings. Financial-economic economics concentrates on the influences of real economic peremeyuyuykh to financial-economic some, in contrast to is pure finances. Ekspirimental'no of the purpose of finances in order to establish differently installations and environments of market in order to observe ekspirimental'no and to analyze with behavior giving to by the characteristics of the substances dealing of supplies, diffusion and aggregation of information, price establishing mechanisms, and the processes of returns. Researcher into ekspirimental'no finances can study to what extent existing the financial-economic theory of economics makes the real forecasts, and the attempt to open new principles on which this theory it can be prodlenna. A study it can continue by way to conduct dealing imitations or by way to establish and to study the behavior of people in the artificial competitive of rynk-.kak of installation. By quantitative behavioral finances they will new discipline he uses mathematically and statistically methodology understand behavioral displacement together with the valuation. Certain of this work was the management Of gunduz Of chaginalp (by professor of mathematics by the editor of the periodical of the behavioral of finances during 2001-2004) and collaborator including Vernon Smith (2002 laureate nobel in the economics), porter of David, they put on Balenovich, Vladimira Ilieva, Ahmet Duran, Huseyin Merdan). The studies Of zheff Of madura, by ray Sturm and by others demonstrated considerably behavioral influences in the stocks and they shere torgovany by exchange after by funds. Qualifications of the finances: Frakhtovannyy of specialist into the region of finances (CFA), certified zarubezhnya of capital investment Analyst(.cIIA), the association of corporate kaznachev (ACT), the diploma of master in the finances, certified the designation of economist on questions of situation (CMA/FAD) dual, the manager of the original financial-economic (MFM), the economist of the planner of the register of the qualification of the corporate of finances (CF) (RFP), the certified financial-economic of consultants (CFC)
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